I have been reading many posts lately about people that have saved 5 years or more to afford a cruise. It seems that most people aren't aware that with the right agent, you can book a cruise in some cases with no money down or a small deposit to hold your cabin. You can pay a little every month towards the cruise leading up to 70 or 90 day's from the sail date (depends on the cruise line) so you won't have to pay out a couple thousand up front. Take this scenario for example, If you book a cruise 18 months away, and the total cost is $2000, over the months leading up to the final payment date, you pay about $133 a month. In most cases that is less than a car payment. And of course you are NOT locked into any given amount. You pay as little or more as your budget allows as long as it it is paid in full at the deadline date. Now granted, for some, $133 a month is a good sum that can cut into your budget but I am using a scenario where your cabin is a balcony and it is a 7 day cruise so if you book an inside, your payment will be less. The math has to be adjusted to the ship, time of year, accommodations and number of days but I think you see where I'm going here! I have actually used this system a few times and it worked out well.  So how do you usually pay for your cruise? All upfront or over time? Bon Voyage......